Why can’t I use the Apple Pay?

Hi Roseshine20,

Welcome to the Apple (user to user) Community.

Check if Apple Pay is available in your country or region:

and,

if so, the Apple Pay participating banks

Countries and regions that support Apple Pay – Apple Support

and

Check if your device is compatible:

Devices compatible with Apple Pay – Apple Support 

also:

You. might want to check if you are signed in (to your device) with your Apple ID:

Sign in with your Apple ID - Apple Support

_________________________________________

Apple Support's article : Set up Apple Pay

Says:

"How to add a debit or credit card on your iPhone"

"In the Wallet app, tap the Add button  (+).

Tap Debit or Credit Card to add a new card,

or

Tap Previous Cards to add a card that you used previously.

Tap Continue.

Follow the steps on the screen to add a new card.

Verify your information with your bank or card issuer.

They might ask you to provide more information,

or to download an app before approving your card for use with Apple Pay."

____________________________________________________________________________

What to do: If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support

If needed:

Apple Pay Support:

Get support with Apple Pay:

Apple Pay - Official Apple Support

All the best :-)